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Best AmEx Credit Cards of 2024

American Express offers some of the best credit cards on the market, with cash-back, travel, and business options available. If you’re in the market for a new card and are considering several Amex cards, it makes sense to compare their cards based on points-earning capacity, bonus offers, annual fees, and more.

If you’re a frequent traveler, it’s important to note that Amex cards are widely accepted in the U.S., but not as much overseas. If you’re traveling abroad, it’s best to carry a backup card (like Visa or Mastercard).

Below, we detail the best Amex cards by category to help you find the best one.

Our top American Express credit card picks of 2024

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Best for Premium Travel Rewards

The Platinum Card? from American Express

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Up to 5X Reward Rate

Earn 5X Membership Rewards? points for flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases.

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Annual Fee
$695
Welcome Offer
80,000 points
Regular APR
See Pay Over Time APR
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
If you’re a frequent traveler who enjoys the finer things in life, the American Express Platinum card might be the perfect credit card for you. Although it comes with a steep annual fee of $695, it offers an array of premium perks like airport lounge access, valuable statement credits, and more, making it easy for the right traveler to justify the cost.
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Card Details

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  • $200 Hotel Credit: Receive up to $200 back in statement credits each year for prepaid Fine Hotels + Resorts? or The Hotel Collection bookings with American Express Travel when paying with your Platinum Card?. The Hotel Collection requires a two-night minimum stay.
  • $240 Digital Entertainment Credit: Receive up to $20 back in statement credits every month when you make eligible purchases with your Platinum Card?. This offer applies to Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • Escape the hectic nature of the airport with the American Express Global Lounge Collection?. With complimentary access to over 1,400 airport lounges across 140 countries, you can enjoy more airport lounge options than any other credit card issuer. As of 03/2023.
  • $155 Walmart+ Credit: Maximize savings on eligible delivery fees, shipping, and more with a Walmart+ membership. Pay for a monthly Walmart+ membership using your Platinum Card? and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one eligible airline and then get up to $200 in statement credits per calendar year when you are charged incidental fees by the airline to your Platinum Card?.
  • $200 Uber Cash: Receive Uber VIP status and get up to $200 annually ($15 per month, plus a $20 bonus in December) in Uber Cash on Rides or Eats orders in the U.S. Uber Cash and VIP status are only available to Basic Card Members. To receive this benefit you must have downloaded the latest version of the Uber App and your eligible Card must be a method of payment on your Uber account. This benefit may only be used in the United States. Terms apply.
  • $199 CLEAR? Plus Credit: Get to your gate faster at over 50 airports nationwide with CLEAR? Plus and receive up to $199 back per calendar year on your Membership when you use your card. Subject to auto-renewal. CLEARLanes are available at over 100 airports, stadiums, and entertainment venues.
  • Enjoy either a $120 statement credit for a Global Entry application fee every 4 years or a statement credit of up to $85 every 4.5 years for a TSA PreCheck? application fee for a 5-year plan only (through a TSA PreCheck? official enrollment provider), when charged to your Platinum Card?. Card Members approved for Global Entry will also get access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Use your Platinum Card? to receive up to $100 in statement credits for purchases in Saks Fifth Avenue stores or at saks.com annually (Up to $50 in statement credits semi-annually). Enrollment is required.
  • Add your Platinum Card? to your Resy profile and enjoy access to exclusive reservations and unique dining experiences with Global Dining Access by Resy
  • Terms Apply.
Pros
  • Excellent rewards rate for travel purchases
  • Qualify for $1,500+ in statement credits
  • Very generous welcome offer
Cons
  • High annual fee of $695
  • Many statement credit offers are too specific and hard to use
  • Non-travel-perks aren’t spectacular
Bottom Line

This is quite a spectacular card with incredibly valuable benefits, but the annual fee is objectively very high.

Best for Foodies

Limited Time Offer

American Express? Gold Card

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Up to 4X Reward Rate

Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide on up to $50,000 in purchases per calendar year, then 1X. Earn 4 points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or on amextravel.com, and 1 point per dollar on other eligible purchases

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Annual Fee
$325
Welcome Offer
LTO: 60,000 points + 20% bonus
Regular APR
See Pay Over Time APR
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
If you enjoy dining out and traveling frequently, consider the American Express Gold Card. This card is perfect for foodies and adventurers, with a great rewards rate on qualifying purchases (like travel and restaurants) and a generous welcome bonus. Although the annual fee is high, the statement credits and benefits it provides can more than make up for it.
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Card Details

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  • Up to $120 Uber Cash on Gold: Add your Gold Card as a payment method on your Uber account and automatically receive $10 in Uber Cash each month for Uber Eats orders or Uber rides in the U.S. (Up to $120 annually.) To receive this benefit you must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment on your Uber account. This benefit may only be used in the United States.
  • Up to $120 Dining Credit: Enjoy up to $10 in monthly statement credits when you use your American Express? Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys locations. Enrollment required.
  • $100 experience credit: Receive a $100 experience credit when you book The Hotel Collection through American Express Travel. Experience credit amounts vary by property, and are given only with a minimum two-night stay.
  • Up to $100 Resy credit: Receive up to $50 in statement credits every 6 months (up to $100 per year) when you use your Gold Card at U.S. Resy restaurants or other eligible Resy purchases. Enrollment required.
  • Up to $84 in annual Dunkin’ credits: Get up to $7 back per month in credits after you enroll and pay with your Amex Gold card at Dunkin’ locations
  • Customize your card to fit your style: Gold, Rose Gold, or White Gold. White Gold is only available as supplies last.
  • No Foreign Transaction Fees.
  • Terms Apply.
Pros
  • Generous welcome offer
  • High rewards potential
  • Many transfer partners available
Cons
  • High annual fee
  • Complicated statement credits
  • Good or excellent credit recommended
Bottom Line

If you like to dine out frequently, the $200+ worth of dining-related annual statement credits can easily help justify the yearly fee.

Best for Everyday Spending

Blue Cash Preferred? Card from American Express

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Up to 6% Reward Rate

Earn 6% cash back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit, and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

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Annual Fee
$0 intro annual fee for the first year, then $95
Welcome Offer
$250
Regular APR
18.74% to 29.74% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
We like the Blue Cash Preferred? Card from American Express for its generous cash-back rewards on everyday purchases, particularly at U.S. supermarkets. Although it has an annual fee, its perks and rewards make it well worth it for those looking to maximize their cash-back earnings.
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Card Details

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  • 0% Intro APR for purchases and balance transfers for the first 12 months, then 18.74% to 29.74% variable applies.
  • Cash Back is received as Reward Dollars which can be redeemed as a statement credit or at Amazon.com checkout.
  • Get $7/month back in the form of a statement credit when you spend $9.99 or more per month on an eligible Disney Bundle subscription (Disney+, Hulu, and ESPN+). Subject to auto-renewal. Only valid in the U.S. Enrollment required.
  • Terms Apply.
Pros
  • Excellent rewards on spending at U.S. supermarkets, U.S. gas stations, transit and more
  • 0% APR on purchases for a limited time
  • Don’t need to activate categories
Cons
  • Rewards can only be redeemed for a statement credit or at Amazon.com
  • Charges foreign transaction fees
  • Has an annual fee
Bottom Line

Although this card has an annual fee, most families will be able to easily get enough value out of the everyday categories to make it worth it.

Best for Cash Back with No Annual Fee

Blue Cash Everyday? Card from American Express

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Up to 3% Reward Rate

Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% cash back on up to $6,000/year at U.S. gas stations (then 1%), 3% cash back on up to $6,000/year on U.S. online retail purchases (then 1%), and 1% cash back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

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Annual Fee
$0
Welcome Offer
$200
Regular APR
18.74% to 29.74% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
If you want a credit card that gives you cash back for your regular, everyday purchases and doesn’t require you to pay a yearly fee, consider the Blue Cash Everyday? Card from American Express. It offers great rewards for spending at places like supermarkets, gas stations, and online stores, places where many people spend a lot of money.
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Card Details

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  • 0% intro APR on purchases and balance transfers for 15 months after opening the account, then 18.74% to 29.74% variable APR applies.
  • Cash back is received as Reward Dollars which can be redeemed as a statement credit or at Amazon.com checkout.
  • Get $7/month back in the form of a statement credit when you spend $9.99 or more per month on an eligible Disney Bundle subscription (Disney+, Hulu, and ESPN+). Subject to auto-renewal. Enrollment required.
  • Receive up to $15 back per month when you purchase a Home Chef meal kit subscription. Subject to auto-renewal. Enrollment required.
  • Terms Apply.
Pros
  • No annual fee
  • Various partner benefits
  • Generous rewards at U.S. supermarkets, U.S. gas stations & online shopping
Cons
  • Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
  • 2.7% foreign transaction fee
  • Low rewards rate outside of bonus categories
Bottom Line

For a no-annual-fee option, the reward rate on this card is pretty solid, but for heavy spenders, other cards may offer more value.

Best for Luxury Business Travelers

The Business Platinum Card? from American Express

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Up to 5X Reward Rate

Earn 5 Membership Rewards? points per dollar on flights and prepaid hotels through American Express Travel and 1 point per dollar on other eligible purchases. Earn 1.5 points per dollar on eligible business expenses and purchases of $5,000+ (up to $2 million per calendar year). Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

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Annual Fee
$695
Welcome Offer
150,000 points
Regular APR
18.99% - 27.99% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
The Business Platinum Card? from American Express is a top-tier card for business owners looking to earn travel rewards on their business expenses. Although it boasts a hefty $695 annual fee, its rewards can easily make up for it if used to their full extent.
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Card Details

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  • Access over $1,000 in statement credits on select purchases in your first year with the Business Platinum Card?, including credits for tech, recruiting, and wireless. Enrollment required.
  • $200 Airline Fee Credit: Choose a qualifying airline and receive up to $200 in statement credits per calendar year for incidental fees charged by the airline to your Card.
  • $199 CLEAR? Plus Credit: Use your Business Platinum Card? to get up to $199 in statement credits annually for your CLEAR? Plus Membership (subject to auto-renewal).
  • The American Express Global Lounge Collection? offers complimentary access to over 1,400 airport lounges in 140+ countries, providing more airport lounge options than any other credit card issuer as of 03/2023.
  • Terms Apply.
Pros
  • Excellent welcome offer
  • Easy to earn points
  • Great travel benefits
Cons
  • No intro APR offer
  • Hefty $695 annual fee
  • High spending requirement for welcome offer
Bottom Line

The annual fee certainly has a shock factor but for the premium business traveler, this card’s luxury perks could make it well worth it.

Best for Most Delta Travelers

Delta SkyMiles? Gold American Express Card

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Up to 2X Reward Rate

Earn 2X miles on restaurant purchases (plus takeout and delivery in the U.S.), 2X miles at U.S. supermarkets and on Delta purchases, and 1X miles on all other eligible purchases.

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Annual Fee
$0 intro annual fee the first year, then $150
Welcome Offer
80,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
For the semi-frequent Delta flyer, getting the Delta Skymiles Gold card is an easy choice to make, with rewards on Delta purchases and everyday purchases, making it simple to earn miles. Its modest annual fee makes it less of a commitment than some other cards, especially if you travel sporadically.
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Card Details

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  • Delta SkyMiles? Gold American Express Card Members can enjoy a 15% discount when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. This discount does not apply to partner-operated flights or to taxes and fees.
  • After spending $10,000 in purchases within a calendar year, you can receive a $200 Delta Flight Credit for future travel.
  • As a Card Member, your first checked bag is free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four, that’s a potential savings of up to $280 per round-trip flight.
  • Benefit from Zone 5 Priority Boarding on Delta flights, allowing you to board early, stow your carry-on bag, and settle in sooner.
  • Delta SkyMiles? Gold American Express Card Members can earn up to a $100 statement credit back each year on eligible prepaid Delta Stays bookings on delta.com.
  • For every 5,000 miles you redeem with Pay With Miles when you book on delta.com, take up to $50 off the cost of your flight.
  • Save 20% on eligible Delta in-flight purchases of food and beverages. Savings are received in the form of a statement credit.
  • Swipe your card freely overseas with no Foreign Transaction Fees.
  • Enroll in Send & Split? to send money and split your Card purchases with any Venmo or PayPal user directly from the Amex App.
  • Terms Apply.
Pros
  • Ability to earn a Delta Flight Credit
  • Generous welcome offer
  • Free checked bag
Cons
  • Comparatively high annual fee after the first year
  • Requires good to excellent credit
  • No Sky Club access
Bottom Line

The perks this card delivers can easily make up for the annual fee but may not be worth it if you aren’t a Delta enthusiast.

Best for Business Rewards

American Express? Business Gold Card

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Up to 4X Reward Rate

Earn 4X Membership Rewards? points (up to the first $150,000 in purchases per year, then 1X points) on 2 categories where your business spends the most each billing cycle and 1X points on other eligible purchases.

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Annual Fee
$375
Welcome Offer
100,000 points
Regular APR
18.99% - 27.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
We love the Business Gold Card from American Express because it lets you earn 4X Membership Rewards? points on everyday business expenses like advertising, technology purchases, and more.
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Card Details

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  • Earn up to $20 in monthly statement credits when you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and office supply stores, potentially saving you up to $240 annually. Enrollment required.
  • Walmart+ membership credit: Receive up to $12.95 in statement credits each month when you pay for a Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Customize your Card: Select a Gold, Rose Gold, or limited edition White Gold card design.
Pros
  • Earns Membership Rewards points for flexible redemption options
  • 4X points categories adapt to your spending automatically each billing cycle
  • Generous welcome offer
Cons
  • High annual fee
  • Spending cap of $150,000 annually for 4X rate
  • High spending requirement for welcome offer
Bottom Line

The automatically adjusting bonus categories give this card tremendous reward potential, but you’ll need to spend a pretty penny to make up for the annual fee.

Best for Premium Marriott Perks

Marriott Bonvoy Brilliant? American Express? Card

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Up to 6X Reward Rate

Earn 6X points per dollar spent at participating hotels, 3X points at restaurants worldwide, 3X points on flights booked directly with airlines, and 2X points on other eligible purchases.

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Annual Fee
$650
Welcome Offer
95,000 points
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
We know the annual fee of the Marriott Bonvoy Brilliant? American Express? Card is difficult to look past, but this card comes with a plethora of benefits like complimentary Platinum Elite status, a range of statement credits, and a high rewards rate on Marriott purchases. If you’re loyal to Marriott, these perks can easily outweigh the annual fee.
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Card Details

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  • $300 Brilliant Dining Credit: Enjoy up to $300 (up to $25 a month) in statement credits each calendar year for eligible purchases made at restaurants across the world on the Marriott Bonvoy Brilliant? American Express? Card.
  • Enjoy room upgrades, such as enhanced views or suites, with Marriott Bonvoy Platinum Elite status when available at selected properties and booked with a Qualifying Rate.
  • Free Night Award: Get 1 Free Night Award each year after your Card renewal month. This award can be redeemed for one night (redemption level at or under 85,000 Marriott Bonvoy points) at participating hotels in the Marriott Bonvoy? program. Certain hotels have resort fees.
  • You’ll be eligible to select a Brilliant Earned Choice Award benefit each calendar year after spending $60,000 on eligible purchases using your Marriott Bonvoy Brilliant? American Express? Card. Only one Earned Choice Award can be earned per calendar year.
  • $100 Marriott Bonvoy Property Credit: Get up to a $100 property credit for qualifying charges at The Ritz-Carlton? or St. Regis? when using your card to book direct using a special rate for a two-night minimum stay.
  • Fee Credit for Global Entry or TSA PreCheck?: Enjoy either a $120 statement credit for a Global Entry application fee every 4 years or a statement credit of up to $85 every 4.5 years for a TSA PreCheck? application fee for a 5-year plan only (through a TSA PreCheck? official enrollment provider), when charged to your Marriott Bonvoy Brilliant? American Express? Card. Card Members approved for Global Entry will also get access to TSA PreCheck at no additional cost.
  • You can get 25 Elite Night Credits toward the next level of Marriott Bonvoy? Elite status each calendar year with your Marriott Bonvoy Brilliant? American Express? Card. Certain limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to American Express cards. Terms apply.
  • Enroll in Priority Pass? Select, which provides unlimited airport lounge visits to more than 1,200 lounges in over 130 countries, no matter the carrier or class you are flying. This means you can relax before or between flights. You can also enjoy snacks, drinks, and internet access in a peaceful, comfortable location.
  • No Foreign Transaction Fees.
  • Cell Phone Protection
  • Terms Apply.
Pros
  • Extensive perks
  • Generous rewards rate
  • Many eligible properties worldwide
Cons
  • High annual fee
  • Few redemption options
  • Large spending requirement for welcome offer
Bottom Line

This card has plenty of value to outweigh the annual fee if you’re a Marriott loyalist, but could be difficult for the average traveler to justify.

Best for Hilton Free Night Awards

Hilton Honors American Express Surpass? Card

Up to 12X Reward Rate

Earn 12X points on eligible purchases made directly with Hilton hotels and resorts, 6X points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets, 4X points on U.S. online retail purchases, and 3X points on all other eligible purchases.

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Annual Fee
$150
Welcome Offer
165,000 points
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
The Hilton Honors American Express Surpass? Card is a solid card for Hilton loyalists. It comes with a variety of benefits such as complimentary elite status, a high rewards rate for Hilton purchases, and a generous welcome offer. Note: All information for The Hilton Honors American Express Surpass? Card has been collected independently by?LA Times Compare. The card details on this page have not been reviewed or provided by the card issuer.
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Card Details

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  • Enjoy up to $200 back each year on eligible Hilton purchases when you use your Hilton Honors American Express Surpass? Card.
  • After you spend $15,000 on eligible purchases on your Card in a calendar year, you can earn a Free Night Reward from Hilton Honors.
  • Cardholders can benefit from complimentary Hilton Honors ? Gold Status with their Hilton Honors American Express Surpass? Card.
  • If you spend $40,000 on eligible purchases on your Card in a calendar year, you can earn Hilton Honors? Diamond Status through the end of the next calendar year.
  • Enroll in the complimentary Emerald Club? program, and you can enjoy complimentary National Car Rental? Emerald Club Executive? status. Terms apply.
  • Swipe your card freely while abroad with no Foreign Transaction Fees.
  • Terms Apply.
Pros
  • Automatic Hilton Gold status
  • Ability to earn a free night with enough spending
  • Up to $200 in Hilton statement credits (up to $50 in statement credits each quarter)
Cons
  • Has an annual fee
  • High spending requirement for Free Night Award
  • Limited redemption options
Bottom Line

You won’t get a complimentary Free Night Award with this card but it still offers a multitude of valuable benefits for the Hilton loyalist.

Let's compare the best American Express cards

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Annual fee
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Best American Express credit cards of 2024: Editorial reviews

The Platinum Card? from American Express

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If you like to travel in style and don’t mind paying a pretty penny to do so, The Platinum Card? from American Express could help you seriously level up your travel game. With ample statement credits, extensive airport lounge access, an exceptional rewards rate, hotel benefits, and more, it’s easy to counterbalance the $695 annual fee if you’re determined enough.

American Express? Gold Card

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The rewards-earning capacity of the American Express? Gold Card is top-notch, especially for people who love to dine out. It still has a pretty hefty $325 annual fee, but that could easily be justified by the yearly statement credits, worth hundreds of dollars alone. Plus, it’s a really pretty card, available in the colors gold, rose gold, and white gold (you get to choose).

Blue Cash Preferred? Card from American Express

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If you tend to spend a lot at U.S. supermarkets and on streaming services, the Blue Cash Preferred? Card from American Express has an extremely generous rewards rate in those categories. It does have a modest $95 annual fee ($0 for the first year) but it would be easy for most households to make up for that with their weekly grocery runs.

Blue Cash Everyday? Card from American Express

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If you don’t want to pay an annual fee but still want to access generous rewards on purchases in everyday categories, the Blue Cash Everyday? Card from American Express may be just what you’re looking for. Its reward rate may not be quite as generous as the Blue Cash Preferred, but we can understand not wanting to pay an annual fee.

The Business Platinum Card? from American Express

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Similar to the consumer version of this card, the Amex Business Platinum card offers a multitude of generous benefits in exchange for a pricey annual fee. It comes loaded with thousands of dollars worth of statement credits, airport lounge access, elite hotel status, and more. For the right business traveler, these perks could far outweigh the yearly fee.

Delta SkyMiles? Gold American Express Card

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For the casual Delta flyer, the Delta SkyMiles? Gold American Express Card may be worth it, especially if you tend to travel with family or friends. One of its highest-value benefits is priority boarding and a free checked bag for you and up to 8 traveling companions, a perk that could easily save you hundreds and make the $150 annual fee ($0 intro fee the first year) well worth it.

American Express? Business Gold Card

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We love the unique, high-value rewards the Amex Business Gold card can offer to small business owners. With categories that automatically change to align with your spending each billing cycle, you could easily earn 4X Membership Rewards points on everyday business expenses. If your spending doesn’t align with the bonus categories, you may be better off with an American Express Business card that earns flat-rate rewards.

Marriott Bonvoy Brilliant? American Express? Card

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If you love to stay at Marriott hotels, the Marriott Bonvoy Brilliant? American Express? Card might be exactly what you need to further enhance your travel experience. This Marriott credit card offers valuable benefits like airport lounge access, complimentary Platinum Elite status, a Free Night Award, and more. The catch? It has a $650 annual fee. But if you’re a Marriott loyalist through and through, that fee could be well worth it.

Hilton Honors American Express Surpass? Card

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If you stay with Hilton pretty frequently, the Hilton Honors American Express Surpass? Card could fit nicely in your wallet. With this card, you can access complimentary Hilton Gold status, a high earning rate on Hilton purchases, quarterly statement credits, and more. Besides the $150 annual fee, its major downfall is that it doesn’t come with a complimentary free night award, but you can earn one if you spend enough through the year.

Note: All information for The Hilton Honors American Express Surpass? Card has been collected independently by?LA Times Compare. The card details on this page have not been reviewed or provided by the card issuer.

What is American Express?

American Express is both a credit card issuer and a payment processing network. This means that they issue the cards to consumers and they process the payments themselves. While many credit cards from other issuers use payment networks like Visa or Mastercard, Amex can do it all.

Outside of credit cards, American Express also offers savings accounts, checking accounts, certificates of deposit, and more.

Where are Amex cards accepted?

American Express used to fall behind Visa and Mastercard in its acceptance rating, but in recent years they’ve reached over 99% acceptance in the U.S..

So there’s a tiny chance your Amex card won’t be accepted in the U.S., in which case it’s always best to have cash or another card available as backup. Amex cards are also not a payment method accepted at Costco.

Internationally, the acceptance rating is quite a bit lower, so it may be a good idea to have a Visa or Mastercard-branded card (like a Chase credit card or Capital One credit card) in your back pocket if you’re going overseas.

Are American Express cards good?

American Express credit cards are some of the best on the market, with options for many consumers. They offer no-annual-fee cash-back cards, premium travel cards, business cards, and almost everything in between. However, they don’t have credit cards for bad or limited credit histories.

Types of American Express cards

Amex offers multiple types of credit cards, so there’s an option for almost any consumer.

Business cards

American Express offers various options of credit cards for small businesses. These cards often have business-specific reward categories and tend to come with valuable perks. (See our full list of Amex business card picks).

Travel rewards cards

Many American Express credit cards earn what are called Membership Rewards points, a valuable Amex-specific currency. These points can be redeemed in various ways, from statement credits to transfers with select travel partners.

Cash-back cards

While some cards from American Express earn Membership Rewards points, others earn cash back. With these cards, you earn a percentage of each purchase back in rewards. However, if you can’t choose between the Blue Cash Preferred or Blue Cash Everyday then it is best to compare the benefits to see whether it is worth it for your financial goals.

Co-branded cards

American Express partners with certain airline and hotel brands like Hilton, Delta, and Marriott to offer cards specific to those brands. These cards have various tiers, with differing annual fees and rewards.

American Express Benefits

There are loads of American Express benefits that make them one of the best card providers around, these are a few of the standout perks:

American Express Membership Rewards

Amex credit cards like the Platinum Card? from American Express and the American Express? Gold Card let you earn Amex Membership Rewards points while others like the Blue Cash cards earn cash back. Generally speaking, this card issuer’s cash-back credit cards only let you redeem your cash back for statement credits, which makes Amex Membership Rewards a better option in terms of flexibility.

These points can be used to “pay with points” at many famous retailers, but you can also redeem them for gift cards or merchandise. Amex Membership Rewards points can also be used to book hotel stays, rental cars, flights, and more through the Amex travel portal.

Amex Membership Rewards points can also be transferred to many airline and hotel partners, which can help you get more value in return.

Who should get an American Express card?

Frequent travelers

If you’re a frequent traveler who wants a new card with flexible rewards and plenty of perks, looking at cards that earn Membership Rewards points can make sense. Amex travel cards tend to offer bonus miles on travel purchases and generous rewards on other non-travel purchases you make. Some of these are great options for cards with airport lounge access. Many travel credit cards from Amex also offer perks like airport lounge access, fee credits for Global Entry or TSA Precheck membership, and credits for a CLEAR Plus membership. (Not sure of the difference? Check out our guides on?Global Entry vs TSA PreCheck?and?TSA PreCheck vs CLEAR).

Many American Express cards even offer travel insurance perks, but if you’re traveling internationally or going on a cruise, you may want to consider purchasing an additional travel insurance or?cruise insurance plan?to make sure you are adequately covered on your trip.

Cash back enthusiasts

If you love earning cash back on eligible purchases, several credit cards from Amex could work well as your new card. Some cards in this niche even offer up to 6% cash back on select purchases including U.S. supermarket spending. Just keep in mind that many Amex credit cards that earn cash back only let you redeem your rewards for statement credits.

Small business owners

This card issuer also offers a range of business credit cards geared to those who want to earn cash back or travel rewards on eligible purchases. There are several?top business credit cards?from Amex with no annual fee, and some extend?0% APR intro offers?for eligible purchases. If you’re a business owner or entrepreneur who is seeking a new card, you’ll find that Amex boasts some of the best options out there.

How to apply for an Amex credit card

After deciding on a card to apply for, click the “Learn More” button next to the card at the top of this page. That will lead you to a page where you can learn more about the card’s benefits and fees, and there will also be a button to “Apply Now.”

When applying, you’ll likely be asked for information like:

One of the biggest appeals of an American Express credit card is the Amex pre-approval tool, which helps you know your chances of approval before applying.?

What credit score is needed for an American Express card?

You typically need good to excellent credit (670+ FICO) to qualify for an American Express credit card. However, Amex will also take other factors into consideration, like income and debt.

How many Amex cards can you have?

American Express allows you to have up to 5 of their credit cards at once. This includes business and personal cards. This limit does not include cards without a preset spending limit, like the Platinum Card or the Gold Card. If you’re not sure what your credit score is, head over to our guide on how to check your credit score.

Our top 3 Amex card picks

Advertiser Disclosure
Best for Premium Travel Rewards

The Platinum Card? from American Express

The Platinum Card? from American Express
LEARN MORE
4.6
Annual Fee?
$695
Welcome Offer?
80,000 points
Regular APR?
See Pay Over Time APR
Recommended Credit?
Good/Excellent (690 - 850)
EARNING REWARDS
Earn 5X Membership Rewards? points for flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases.
Show More Show Less
Best for Foodies

American Express? Gold Card

American Express? Gold Card
LEARN MORE
4.5
Annual Fee?
$325
Welcome Offer?
LTO: 60,000 points + 20% bonus
Regular APR?
See Pay Over Time APR
Recommended Credit?
Good/Excellent (690 - 850)
EARNING REWARDS
Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide on up to $50,000 in purchases per calendar year, then 1X. Earn 4 points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or on amextravel.com, and 1 point per dollar on other eligible purchases
Show More Show Less
Best for Everyday Spending

Blue Cash Preferred? Card from American Express

Blue Cash Preferred? Card from American Express
LEARN MORE
4.8
Annual Fee?
$0 intro annual fee for the first year, then $95
Welcome Offer?
$250
Regular APR?
18.74% to 29.74% variable
Recommended Credit?
Good/Excellent (690 - 850)
EARNING REWARDS
Earn 6% cash back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit, and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Show More Show Less

How we selected the best American Express credit cards

To select the credit cards for this ranking, we looked at various factors like:

Rewards

We closely evaluated each card’s reward-earning potential and looked at whether they earn cash-back or Membership Rewards Points.

Fees

We looked to determine if the card’s perks outweighed the annual fee, and also took a card’s intro APR offer (or lack thereof) into consideration.

Other perks

We examined each card’s additional perks like statement credits and travel protection to help evaluate the card’s overall value to consumers.

? ? ? ? ?

Note: All information for The Hilton Honors American Express Surpass? Card has been collected independently by?LA Times Compare. The card details on this page have not been reviewed or provided by the card issuer.

? ? ? ? ?

For rates and fees of The Platinum Card? from American Express, please visit this page.

For rates and fees of the American Express? Gold Card, please visit this page.

For rates and fees of the Blue Cash Preferred? Card from American Express, please visit this page.

For rates and fees of the Blue Cash Everyday? Card from American Express, please visit this page.

For rates and fees of tThe Business Platinum Card? from American Express, please visit this page.

For rates and fees of the Delta SkyMiles? Gold American Express Card, please visit this page.

For rates and fees of the American Express? Business Gold Card, please visit this page.

For rates and fees of the Marriott Bonvoy Brilliant? American Express? Card, please visit this page.

For rates and fees of the Hilton Honors American Express Surpass? Card, please visit this page.

Best American Express credit cards: FAQ

Which Amex card is the easiest to get?

The easiest Amex cards to get have a lower spending requirement for rewards and a low or no annual fee, such as the Blue Cash Everyday Card from American Express (no annual fee, see rates and fees) and the Blue Cash Preferred Card from American Express ($95 annual fee after the first year, see rates and fees).

What is the best American Express credit card?

Many experts say the Platinum Card? from American Express is the best travel credit card across all major card issuers. However, The best American Express credit card for you depends on your specific rewards-earning goals. For example, you should decide whether you want to earn flexible points for travel or cash back.

That said, our picks for the best American Express credit card is as follows:

  • The best Amex credit card for cash back is the Amex Blue Cash Preferred] card.
  • The best Amex credit card for points is the Amex Platinum card.
  • The best Amex credit card for SkyMiles is the Amex Delta SkyMiles Gold card.

We recommend comparing cards based on their features, benefits, and annual fees.

What credit score do I need to qualify for American Express?

Most Amex credit cards require good or excellent credit. While American Express does not list a minimum credit score requirement for approvals, a “good” credit score typically means any FICO score of 670 or higher.

How do you cancel an Amex card?

There are three options to cancel an American Express credit card; by phone, online, or via mail.

Here are the steps you can take for each.

  • By phone: You can easily cancel an American Express credit card by calling the customer service number on the back of the card, calling their 24/7 customer service line at 1-800-528-4800, or you can call collect at 1-336-393-1111 if you’re located outside of the U.S.

    Once connected, simply tell them that you want to cancel your account. You’ll need to provide some info about yourself to verify your identity.
  • Online: You also may be able to cancel your card online by chatting with a live representative on the American Express website by following these steps:

    • Log in to your American Express account online
    • Find the chat button in the bottom right-hand corner
    • Click “chat” to begin a live chat with a customer service representative
    • Tell the representative that you want to cancel your card
  • By mail: If you’re old school and prefer to do things via mail, you can cancel your American Express card this way as well. Just submit your request in writing to the following address:

    American Express
    P.O. Box 981535
    El Paso, TX 79998-1535

    Note that you’ll have to wait until they process your request so it won’t be as quick of a cancellation as it would be via phone or online.

When you cancel, you’ll have 90 days from the date you requested cancellation to use up your remaining rewards. If you don’t redeem them by then, you forfeit all remaining points or cash back.

Amex will only refund your annual fee if you request cancellation within 30 days of when the latest annual fee was charged. After that point, you won’t receive a refund.

Is American Express a good card to have?

American Express credit cards are an excellent option for consumers who want the best perks and rewards. American Express is also renowned for its customer service. In fact, Amex earned the /compare-deals/credit-cards/american-express/1 spot in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study.

Does American Express have any student credit cards?

No, American Express does not offer student credit cards. Since American Express cards are only for those with an excellent credit score, students often don’t qualify since they have a limited credit history.

Can you qualify for an Amex card with bad credit?

Amex focuses on consumers with good or excellent credit and does not offer?secured credit cards?or options for those with a?bad credit score. Many other issuers offer credit cards for bad credit or credit cards for no credit that can help you build your credit score until you can qualify for one of the best American Express cards.

Where is the security code on an Amex card?

Unlike Visa and Mastercard which tend to have the security code on the back of the card, American Express has theirs on the front. It’s also a 4-digit number, unlike Visa and Mastercard with three digits. Learn more about what credit card numbers mean.

Are there any American Express cards with no annual fee?

Most American Express cards have annual fees ranging from $95 to hundreds of dollars, but there are a few no-annual-fee card options. Our opinion is that the best American Express card with no annual fee is the Blue Cash Everyday card (see rates and fees).

Is Amex Gold or Platinum better?

Neither card is objectively better. The Platinum Card is best for frequent travelers who enjoy luxury perks, while the Gold Card is better for everyday spending. See how these two cards stack up in our detailed comparison of Amex Gold vs Platinum.

Does Sam's Club take American Express?

Yes! Unlike Costco, Sam’s Club accepts all major credit cards, including American Express.

Does Whole Foods take Amex?

Yes! Whole Foods accepts all major credit cards, including American Express. They’re also counted as a U.S. supermarket, so you can enjoy the high reward value of Amex cards with that category, like the Blue Cash Preferred!

About the Author

Holly D. Johnson
Holly D. Johnson Finance Expert

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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